Optimum Outcomes, Inc.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me
Sincerely,
*** ***

We have already offered the consumer a 50% discount on the remaining balance due to our error.

Complaint: [redacted]
I am rejecting this response because: the file can not be found by Revdex.com. I will need for this company to be found and the case to be resolved.
Sincerely,
[redacted]

We have reviewed the submission and found the following in our research. We received the account from our client [redacted] Healthcare on 12/15/2014. We mailed a dunning letter to the address that was provided by our client on 12/16/2014. We also mailed a second letter on 4/7/2015. We have contacted...

Mr. [redacted] at the phone number listed in his submission as well and have yet to make live contact or received a returned call from the messages left via voicemail. A validation letter has now been mailed to the address provided in the submission and the account has been reported as disputed to all three credit bureaus. Please have Mr. [redacted] contact us at [redacted] and we will be happy to answer any questions he may have regarding the account.

Initial Business Response /* (1000, 5, 2015/09/15) */
We have reviewed the information you have provided and found the following:
We have sent more than one letter to your home address along with several attemtps to contact you by phone. As this is the first validation request we have received a...

validation letter has been sent to your home address.
Once the account reaches a zero balance it will be deleted from your credit file. If you have any further questions please contact a customer service representative at XXX-XXX-XXXX.
Initial Consumer Rebuttal /* (3000, 7, 2015/09/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Optimum Outcomes, Inc. had a second bite of the apple. They failed to provide written proof in two tries. Their letterhead graced the documents provided - it was self-generated.
Again, failure to comply with FCRA mandates removal of the trade line from all three CRAs.
Final Business Response /* (4000, 12, 2015/10/08) */
If you would like to dispute this matter further please send a copy of the police report. Once we have a copy of the report we will follow up with the provider. If you have any questions please contact XXX-XXX-XXXX.
Final Consumer Response /* (4200, 14, 2015/10/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Optimum Outcomesm Inc. reads the FCRA rules to suit their needs. Instead of complying, they request more information - hence time.
So far, they've altered records, intentionally thus maliciously reported properly disputed information and, in general, ignored their duties under FCRA laws.
In this forum and on their letterhead, Optimum Outcomes, Inc. "validated the account" employing double hearsay. Either they report the validated account to the reported debtor, or they remove it from my account. They cannot merely change the name on an account. Account information merging (as opposed to identity merging) is not permitted. Close does not count in anything beyond horseshoes.
It has been over four months since Optimukm Outcomes, Inc. became aware of this dispute and request for written verification. Three bites of the apple is good enough for baseball.
Is subpoena in a civil suit next - or will Optimum Outcomes Inc. voluntarily comply with FCRA laws and perform the desired resolution.
To conclude, I request that Optimum Outcomes, Inc. submit a Universal Data Form to the "Big 3 CRAs" requesting the removal of the entire trade line placed by them on my credit files.

Complaint: [redacted]
I am rejecting this response because: This is a lie. Please show proof, I would've rejected this before if I was notified. Please show proof of mail being sent on 2017 from you. This business needs to be fined for not comply. Remove yourself from my report and do things the right way. 
Sincerely,
Jacqueline [redacted]

Hello, This is in response to complaint ID #[redacted]. After researching the consumer's account we see that her accounts are at a zero balance. However, we do not show a correct social security number listed on the consumer's account. We will need the consumer's full social security number to be...

able to delete the derogatory marks on her credit. Can the consumer please provide a full social and we will move forward with credit deleting her accounts? Thank you.

Hello,   This is in response to the rejected response from [redacted]. As previously stated, we do not hold her accounts in our office, therefore she does not owe our company money. If the consumer has questions regarding her accounts, she would need to speak with the original creditor, [redacted] Hospital.   Thank you.

We have reviewed the submission and found the following in our research. We have emailed a paid in full letter for the recently paid accounts to Ms. [redacted] as requested. It is a password protected PDF and the password was sent under separate cover.

We called Ms. [redacted] as promised. She then returned our call and paid the accounts in question. A paid in full and deletion letter have been emailed to the email address provided when we spoke to her. A submission has been sent to all three credit bureaus to remove any derogatory information. Please allow up to 45 days for the credit bureaus to update. She can provide the letter in the interim.

All accounts were sent for deletion prior to 8/5/2016. It should take no longer than 45 days for the derogatory information to be removed. Please dispute the incorrect information directly with the bureau where it appears. We will then reconfirm that the information should not appear.

I do not understand the consumer's rejection. Here is our original response We have reviewed the consumer's account in our system. We have never received any correspondence from her, nor have we ever spoken to her at the phone number on the account in our system or the one provided in this complaint. We are not in violation of any [redacted] laws as we work on behalf of our client, the original creditor. The consumer will receive a Validation Notice containing the information that we are required to provide.

We have reviewed the submission and found the following in our research. Mr. [redacted] account reflects a zero balance and has been submitted to all three credit bureaus to remove any derogatory information. We have emailed a paid in full letter as well as a letter confirming the submission for...

deletion.

This dispute is currently under review with the provider in order to resolve the issue. Once we receive any documentation or notice from the provider regarding this issue we will advise of the account status. Please allow more time for processing.

We have provided validation for the accounts that we currently have for Ms. [redacted]. We were not provided account number information in her complaint. In order to research further, we will need the information posted to Ms. [redacted]'s credit report. We are unable to communicate directly with Ms. [redacted] due to her cease and desist request.

Initial Business Response /* (1000, 5, 2015/08/11) */
We have sent a balance due letter outlining the account information to the email address that you have provided in this complaint. If you would like to make payment on the account please send the payment to the address listed on the bottom of...

the letter. If you are able to make a phone call and would like to contact our office please dial XXX-XXX-XXXX.

We have contacted our client, [redacted] Hospital, they have advised they are reviewing the matter further. Since the payment was made over twelve months ago, any refund would be issued by [redacted] Hospital. All funds were forwarded to our client and they are aware of the total amount paid.

We have three accounts for Ms. [redacted] from our client [redacted] Emergency Physicians at Clayton. Ms. [redacted] has advised that she does not have an attorney, all accounts are active and she can call our office for further assistance.

We sent the consumer a letter advising of the account on 10/12/2014. We have also sent a validation letter on 6/21/15 and an itemized statement on 1/12/17. The consumer has disputed this account with the credit bureaus via EOscar five times and we have responded each time. We also attempted to call...

the patient 22 times to discuss the account. We have provided her with everything that she has requested that we are required to provide. We are not required to provide signed contract, complete payment history and terms and agreement. It is our policy to credit delete when an account is paid in full. Tell us why here...

We have received the complaint and have contacted our client for validation. As of today, we have not received a response. We have withdrawn the account today and ceased all collection activity. The account has also been submitted to all three credit bureaus for deletion.